The Payment in installments It is the new normality. The boomers had the terror of contracting debts, the gen x did so only for what he considered very important, home and car, the millennials and the gen Z are found to be submerged to the neck.
As? Through systems such as Klarna and Paypalamong others, which offer the possibility of also install minimum figures. Everything is at hand, indeed of clicks, at a minimum cost per month, which goes to affect very little on the salary (as long as we proceed with a single purchase at a time).
The trend is now unstoppable, as well as the one who sees many young people boast of ignoring the accumulated debt. A reality as Italian as it is foreign. But What happens if you don’t pay Klarna and the like?
What is Klarna
Klarna is a system of installment, digital and physical, among the most famous and used. Net of a somewhat unusual and intuitive name, it is now famous among the very young and beyond. In a few clicks it is possible to take advantage of:
- payment in installments;
- postponed payment.
What most attracts attention is the concept of “zero interests”, also proposed by Paypal. If you opt for the postponement of paymenta credit card service is obtained, so to speak, with postponement of the balance 30 days. In case of installmenton the other hand, you pay for the first installment immediatelythen to resolve debt in the Two months following.
Is paying in installments?
The great simplicity of access to payment in installments, especially among the youngest (in a country that ignores economic education in class and home), unfortunately generates an unhealthy mechanism. It is difficult to retain the expense heat when at the price of a product they can get it immediately.
The mental well -being guaranteed by the discarded package, like in the morning of Christmas, vanishes, however, in the following two months (and beyond, if the wheel does not stop). The quotas add up to any extra expenses unexpected or foreseen, increasingly reducing the amount of their salary.
It is better to pay in installments When you have self -control. Convenient When you buy what you needusing a useful service. The discussion is different when the purchase is generated by access to the service. Put simply you buy something superfluous because they are enticed by the fact that you can have it at a reduced price.
It is all a matter of correct management of one’s finances. Something absolutely complex when you are young and novice in the protection of your earnings and savings.
What happens if I don’t pay Klarna
THE debts not paid On Klarna, PayPayl, Cofidis, Scalapay and the like have the same consequences as a non -welded loan. Various potential situations are various. There are those who try to get around the system, postponing the problem and running huge risks. In fact, just empty the reference bank or postal account, transferring or withdrawing the money present. The system will try to withdraw, failing, then starting a path of notices (for then, however, the payment will have been anticipated to the manufacturer and the package delivered).
Others, however, can find themselves in difficult economic situations, after unexpected expenses. Still others, however, may have forgotten a limit set on their account. In all cases it is possible to pay the necessary with a click.
However, if you decide not to pay, your own name will be reported to CRIF. This means that the credit information system will see us as recorded as bad payers: “The reporting is made visible only in case of non -payment for two consecutive months, in the event of the first delay in a loan”.
Be bad payers: what is crif
A report to CRIF can make life very complex, in an economic system like ours. Get a loan Of any sort, as well as a mortgage, it will be a titanic enterprise (more than it is already).
Each institute will in fact see yours reported name. Even before checking on economic guarantees, such as an indefinite contract, the status of bad payer will be highlighted.
If this also does not scare the recurrence of the non -balance of the loan, it is good to know how you can meet an ‘legal action by the company towards the user. It goes without saying that this behavior has a direct consequence one suspension of the possibility of installing Further purchases. In this respect, however, the periods of “punishment” vary according to the company:
- PayPal – Once the entire balance is obtained, the reported account cannot proceed with the division into three installments with zero interest for a few months;
- KLARNA – After the amount due, the account holder will have to prove its financial resources. This means paying through Klarna, welding the entire sum, and then returning to the graces of the system after a few months;
- COFIDIS – The system proposed by Amazon for installment payments is more rigid. The report to CRIF prevents the authorization of further funding, for 12 months in the event of a delay of 1 or 2 installments, 24 months in the event of a delay of 3 or more installments, 36 months in the event of unrefired loans or serious arrears.
